At Inovium we recognize
and value your privacy and are committed to protect
the confidentiality of your company, your clients and
your personal information

You can browse our site without identifying yourself
or revealing any information about you, your clients
or your company. If you choose to apply to us for any
reason via our site, the information that you provide
will be used to screen and evaluate your application,
provide you with updates, finalize the delivery of the
software, and offer you exemplary service. We do not
collect any personal data without your consent. Initiating
the application process constitutes consent for us to
use the information as described in this policy

We may use aggregate information about our users for
statistical, marketing and other purposes. This information
does not reveal the identity of, or any information
about, particular users or companies.

If you choose to obtain additional information regarding
any of our services through our website, you will be
asked for basic information about yourself and your
company. The decision to provide personal information
is entirely yours to make.

We also provide e-mail updates to you regarding new
products and other financial solutions for your business.
However, you can opt out of this service at any time.
For more information, see the Collection and Use of
Customer Information section of this policy.

Privacy Principles
We strongly advocate the protection of our clients'
privacy and are committed to ensuring that your personal
and company information is safeguarded. We have adopted
the following privacy principles in the belief that
they effectively capture our commitment to you.
“We recognize and respect our clients' expectation
of privacy.
" We collect and use only the information needed
for legitimate business purposes.
“We employ security measures that guard access
to and disclosure of information.
" We will not disclose personally identifiable
information to third parties unless there is
an appropriate legal or business justification.
“If we contract with a company to perform specific
services that require us to provide
them access to customer information, we require that
company to maintain the
confidentiality of customer information.
" We will continuously assess our business practices
to ensure that customer privacy is
respected.

As part of our commitment to protecting your privacy,
we are always working to ensure that our procedures
and systems are relevant and supply the appropriate
safeguards - and we will regularly conduct audits of
our systems and Privacy Policies to ensure compliance.

Information Practices
1. Recognition of Customer's Expectation of Privacy
We recognize and respect the privacy expectations of
our clients - and are committed to taking the steps
necessary to safeguard the information entrusted to
us. Procedures are in place that is designed to prevent
misuse of private information.

2. Collection and Use of Clients’ Information
We collect, retain, and use information about you only
where we reasonably believe that it will help to complete
the application process, to provide individually tailored
services, and to provide other opportunities to you.
We use information to administer business transactions,
to provide you with status updates, to comply with laws
and regulations, to help us design or improve our services,
and to understand your needs so that we can provide
you with superior service.

We do not collect any personal data without your consent,
and we only share the personally identifiable financial
information you provide us with our ACH processor. Information
collection starts at the point of the application process.
By initiating the application process, you consent to
our collection and use of this information.

After your application is processed, we will periodically
send you e-mail updates about finalizing the Online
Checks and/or EFT-ACH or Check 21 software licensing,
normal business correspondence and new product and service
updates. We may also request your participation in a
customer satisfaction survey. Our customers generally
find this very helpful. If you choose to receive updates,
but change your mind at a later date, you can opt out
at any time by sending e-mail with your company name,
address and e-mail address to salesmanager@inovium.com.

If you access our services through one of our business
partners' (affiliate) web sites, we may share contact
information such as your name and e-mail address with
that business partner. In that case, please check the
partner's privacy policy to see how they may use your
contact information.

To ensure the accuracy, timeliness, and thoroughness
of information, we use only reputable sources of data
to cross-reference against application information.
Information that you submit during the application process
is not subject to modification.

3. Limiting Employee Access of Information
To protect the confidentiality and privacy of credit
information about individuals and small businesses,
we limit employee access to your files. We are committed
to ensuring that individuals with access to consumer
information do not utilize the data for unauthorized
purposes. To ensure that each employee understands their
responsibility, employees sign a written confidentiality
agreement before they are granted access to your data.
We are also committed to taking strong enforcement actions
if necessary.

4. Protection of Information
We maintain security procedures to help prevent unauthorized
access to confidential information. We update and test
our technology to assure the integrity of our systems
- and to improve upon our existing privacy safeguards
wherever possible.
We back our Privacy Principles with some of the best
security technology available. We use SSL (Secure Socket
Layer) Technology to ensure that your application information
cannot be accessed during transmission to our servers.
We also use SSL authentication technology to confirm
the identity of both the computer sending and the computer
receiving your application information. This safeguard
keeps unauthorized people and companies from accessing
your information. We also use technical security measures
to prevent unauthorized access to data stored on our
secure servers.

5. Restrictions on the Disclosure of Account Information
State and federal agencies require us to provide certain
information regarding the number of financing applications
submitted to us. This information, when disclosed, is
in aggregate form and does not contain any of your personally
identifiable information. State and federal examiners
may periodically audit consumer files. These audits
ensure that we are complying with the regulations in
place to protect consumers.

6. Maintaining Customer Privacy in Business Relationships
with Third Parties
Information regarding our customers is used solely in
the legitimate conduct of business to deliver products
and services, to design products, and to provide special
offers designed to meet the specific needs of our customers.
You have the option of getting updates from us about
our new financial products and services that may meet
your business needs.
We will not reveal personally identifiable information
to any third party unless we have been authorized by
you, have previously informed you in disclosures or
agreements that we plan to do so, or are required by
law to do so.